Start Investing

Investment decisions at Wealth Habits are made for each client using a comprehensive, personal, and truly objective approach. We take a value-oriented view, strive to reduce risk and use independent ideas to seek portfolio growth. We tailor your account to meet your specific needs.

In order to give you a better experience, we need to gather some information from you. Please follow the steps below to start investing with us.

TAKE THIS RISK ASSESSMENT

We all look at rewards and risks differently based upon our varying life experiences and personal financial experiences. The Risk Number is a way to objectively pinpoint individual investor risk tolerance.
(Estimated time 3-4 min)

Risk Assessment

BOOK A MEETING WITH ME

It is a 30 minute meeting to go over the different investment options and hear any questions you might have.

Investment Management Meeting

Allocation Investment Strategies

The strategy seeks to provide capital preservation and current income while maintaining liquidity. The Preservation strategy seeks to achieve its investment objective by investing in a diversified portfolio of fixed income ETFs / Mutual Funds comprised of government, corporate, and fixed income securities including mortgage and asset-backed securities.
Stable Income’s investment objective is to seek to mitigate the effects of unanticipated inflation and to provide current income. The Fund seeks to achieve its investment objective by employing a large allocation to inflation protected securities to manage inflation risk along with a small investment into equities. The goal is offer a competitive yield while protecting capital from inflationary environments.
Flexible Income’s investment objective is to provide current income. The strategy seeks to achieve its investment objective by actively allocating assets across multiple income producing asset classes and strategies.
The strategy seeks total return consistent with a moderate level of risk relative to the broad stock market.  Asset classes respond differently to real growth and inflation. By investing in stocks, bonds and other asset classes, Wealth Habits attempts to balance the amount of active risk contributed by each underlying fund in order to take advantage of the different market cycles.
The strategy seeks total return consistent with a slightly lower level of risk relative to the broad stock market. The strategy’s investment objective is capital appreciation along with some current income.
The strategy seeks total return consistent with the broad stock market. The strategy’s investment objective long-term capital appreciation. This long-term strategy seeking to build wealth and manage volatility through comprehensive diversification. The fund seeks ownership of large value-priced companies the team believes are poised to benefit from positive business developments.

Alpha Plus Investment Strategies

For years, investors looked at the market through the lens of a traditional style box. However, a growing number of investors are shifting to factor investing for a more precise method of portfolio construction.

Wealth Habits believes this shift is largely due to rising correlations coupled with low return environments. These dynamics have helped expose the limitations of traditional methods and spurred investors to seek more effective means with which to assess market risk and enhance returns. At the same time, more powerful data analytics as well as advances in research into investor behavior have provided the ability and the insight to better implement more sophisticated strategies. Traditional style boxes provide only a superficial view of a portfolio’s construction – much like the naked eye reveals only a person’s outward characteristics.

Wealth Habits generates investment ideas from a variety of sources while relying little on the research produced by Wall Street. As market generalists, we search for value without in every industry, sector and most geographies. We believe this unconstrained structure broadens us perspective and allows us to assess relative values among companies in different businesses.

From the universe of investible securities, we apply quantitative screens to find securities that meet our basic criteria. When a promising company is identified, we subject it to intensive research that goes far beyond just the numbers. This process includes examining its business model in close detail, reading transcripts, and speaking to clients, vendors and competitors.

If a company passes this initial examination, its merits are weighed by a team of investment professionals at Wealth Habits. Acceptance at this stage allows the company to be added to our approved list, which are the only stocks eligible for our selective portfolios.

Broad Equity
The Broad Equity strategy is designed for investors seeking returns through a mixed-styled portfolio (mix between growth and value). Consists of a diversified portfolio of 75-120 stocks from a variety of sectors representing many ongoing global trends. Higher returns generally come with higher risk, and therefore investors in this portfolio must both be able to accept higher than average short-term price fluctuations that come with efforts to seek above-average returns, and should have capital appreciation with a longer-term focus as their primary investment objective in following this portfolio.

Focused on investing in a portfolio of stocks with the following attributes:

  • High Return on Operating Assets (NOPAT / Net Operating Assets)
  • Stable growth in revenues and earnings
  • Adequately priced in the market
Income Growth
Our Income Growth strategy pursues attractive total returns with an above-average level of income by investing in a diversified portfolio of companies with strong and growing free cash flow. Companies in the portfolio possess operating models and managements that focus on giving back capital through cash dividends, share repurchases and debt reduction — the key components of shareholder yield. The portfolio generally holds between 75 and 100 stocks, with risk controls to minimize volatility.

Focused on investing in a portfolio of stocks with the following attributes:

  • Stable and predictable revenues and earnings
  • Strong ability to generate cash flow
  • High barriers to entry
  • Increasing levels of shareholder payout
Global Focused
Our Global Focused strategy pursues long-term capital appreciation by investing in a concentrated portfolio of global businesses we believe have superior risk-reward profiles. Our top-down / bottom-up security selection and risk management process leads to a portfolio of 25-35 stocks. The portfolio reflects the highest-conviction ideas appropriate for a concentrated portfolio. Companies are selected based on their ability to generate free cash flow and allocate it intelligently to benefit shareholders.

Focused on investing in a portfolio of stocks with the following attributes:

  • High Return on Operating Assets (NOPAT / Net Operating Assets)
  • Stable growth in revenues and earnings
  • Adequately priced in the market
Discovery Strategy
Our Discovery strategy invests primarily in a concentrated portfolio of small and mid-cap equity securities. It pursues long-term capital appreciation by investing in a concentrated portfolio of growing businesses we believe have superior risk-reward profiles. We primarily rely on a bottom-up security selection and risk management process. Our portfolio usually has between 25-35 stocks and reflects the highest-conviction ideas appropriate for a concentrated portfolio. Companies are selected based on their ability to grow shareholder value over a long period of time.

Focused on investing in a portfolio of stocks with the following attributes:

  • Growth in revenues and earnings
  • Strong ability to reinvest growing cash flow
  • Competitive advantage in the making
  • Institutionalization of the business franchise
Special Situations
Our Special Situations strategy makes investments in companies that have an element of distress, dislocation or dysfunction and that we perceive to be undervalued. The cornerstone of the Special Situations strategy is its flexibility to invest anywhere. Importantly, the strategy does not require a distressed macro environment to invest successfully, relying instead on “situational” distress that can be uncovered in any industry, sector or individual company at any point in the economic cycle.

Potential Situations:

  • Company spin-offs
  • Distressed situations
  • Tender offers
  • Bankruptcies
  • M&A
  • Companies that are at an inflection point

Get Started With Investing Today

Share This